Justin asked:


And this particular application does check creit. So, is it just to verify my identity?
Sorry- I mis-typed. I meant to say that this bank does NOT check credit. So guess it has to be to verify identity. I mean how much information can they get from your drivers license number?

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Chan asked:


Hi,

Recently one of my credit card application got rejected. The letter from the bank states that, i am eligible to get a free credit report within next 60 days. When i called the credit reporting agency (transunion) number given on the letter, it goes to an automated number and requires me to provide ssn and address details to get a report. How do i reach out to a real person and get the free report i am eligible because of my application rejection?

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Michelleeee asked:


I applied for their student credit card about a month ago and have yet to hear back! I’ve been online and it says I should have recieved an answer within 7-10 business days and the associate at the store told me around 15 days. It’s been a month and nothing! I was trying to find a way to check the status. Anyone have any ideas?

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Marlboro L asked:


What is the best credit card for me? I prefer visa but open to anything.
I’m 26 years old, self employed and bringing in about 25k a year. Credit score is fair, 655

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Fat asked:


Can I report money made from scholarships
or loans????????????????????

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BradPratt asked:


For example, are they less likely to give you a card if you don’t work, or list homemaker, or what not? Even if other members of your household or significant other is bringing in the money?

does where you live matter?

Do they only consider your credit score as being the single most important factor?

Also why are credit card applications getting more extensive? Now you have to list the total amount of money in all of your checking accounts, savings accounts, 401K, etc etc, other investments…whereas before you just had to fill in a simple little application and you were good.

I just always wondered what made a person more likely or less likely to be approved of a card.

I went bankrupt chapter 7 in early 2005, so as of right now my chances for getting anything are pretty much nil,but I have luckilly been approved of quite a few cards in 2007 & 2008, so I’ve been establishing credit history all that time…so you’d think that by now I’d be approved more easily, but I’m not. I apply once in a blue moon, and I still get denied.

The only bad thing I can think of is my bankruptcy.

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Chad P asked:


I realize credit cards are the devil, and I’m trying to pay all of them off. However, I was late by 1 or 2 days since the company didn’t credit my payments until they felt like it. As a result, I am now at the default rate of 30.37% APR. I can’t afford to make a payment of 140 and have 145 go to interest each month. I talked to my banker or try to get some help & he told me to transfer the balance to another card. Discover is not currently offering any balance transfers, unless you apply for a new card. So, I recently filled out 2 online credit card application, one with US Bank & one on Discover.com. Both clearly state that I will receive a decision within 60 seconds, but I am still waiting. I filled out the US Bank application 4 days ago. I filled out the Discover application last night, since I hadn’t heard from US Bank. Discover also has a button to check the status of an application, but apparently it takes 24 hours or more before you can do that. Why do they state they will give you an instant decision, yet they don’t? I want to know if anybody has ever actually gotten an instant decision on a credit card.

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nbts1582 asked:


I don’t have a credit card, but I really need one just to purchase plane tickets and other things I buy online and build credit. By the way, I’m over 25 and I have been paying my student loan on time each month for almost 5 years. I think I have fair/good credit. I am between jobs right now. I know that sounds bad, but I’ll be starting a new job in June. What should I put for my income on the application. Should I put my income last year or for my next job. Should I mark unemployed?

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JuneStar asked:


I have recently applied for a Citi card online. On the online application it said that I was going to get a response in about 5 to 7 days or if they needed more information then it could be longer. Two days after I applied, I got a message on my answer machine from a lady saying she was calling from Citibank. Something that she needed to verify some information about a transaction they received.
Now, is this normal? Do someone call after applying for a credit card online? Have anyone received a call like this before?
Thank you

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tushlawal asked:


i applied for a credit card 5 days ago, my credit alert shows that a credit report was pulled so i called the credit card company to check on the status of the application…the rep told me it shows that it is still in process and if it was declined he would know but to call back in the next 3 days and they would have more information on the status …MY QUESTION IS THIS
1-DOES THIS MEANS I WAS NOT APPROVED
2-My score is 636 and i have 1 derogatory item on my report that i am disputing and 2 deliquent items that has been paid for
3 WHAT CHANCE DO I HAVE BASED ON THIS ….cos it seems they are stll trying to decide whether to offer me credit or not

PLEASE HELP
please help as i feel i need to wait longer in order to be able to qualify ..forgot to mention i have a secured card with 300 limit for the past 5 months
i am actually applying for a chase bank credit card

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